You realized that if it wasn't for your poor credit you would be able to afford a better house, a better car and probably get a free vacation as well. But that damn credit is killing you and you can't seem to do anything about it.
That, I am sure, is what you say but not what you mean. What you really mean is you have tried to fix your credit and you only seem to have made it worse, OR as much as you would like to have good credit you are sure that once there you will revert back to your old ways. The pain of that exercise would be too much to bear.
As a famous character once said, "forgetaboutit". Bad credit isn't a problem if you really don't want it to be. We have the ability to pull out all of the equity in your house if we need to in correcting the problem. We can lower your overall payments when we do this because as bad as your credit might be we do not have double digit rates as all of your credit cards have, and soon probably your home equity line as well.
Our rates could get into the 8% or 9% rate for really poor credit and a high loan to value, but that would be like stealing money from the credit card companies. With a 540 credit score and a cash out to 85% we will have you in the high 8% range, and on a $345,000 loan the payment would be in the low $2700/month range. Add up what you are paying on your credit cards, any other monthly debts and your current mortgage and I believe you will be higher than our figure.
Call us, Manhattan West, and let us show you the actual figures. We are at 949-5553 or you can write to me on the web @MortgageMinuteGuy.com. In a matter of a few weeks you will be sailing because not only will your extraneous debts be gone but you will also have some cash reserves sitting in the bank. You will not have to go back the other way.